What happens when you make an insurance claim?

I dropped my phone in the sink (stupid, I know!). If I make an insurance claim, what happens if they say I did it on purpose? Which, of course, I didn’t! Can you get in trouble if they think it’s a fraudulent claim?

I assume there was water in the sink?
To cut to the chase: water in the sink or not - it depends on your insurance. Some don't cover water damage, and some penalise clumsiness - they'd let you pay for parts of the damage... There. Call your agent